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🤝🏻 Portfolio & Compliance for Auditors

Guide for auditors on tracking, reconciling, and reporting stablecoin and digital asset holdings using real-time portfolio and transaction data.

Auditing stablecoin holdings requires a clear view of all digital assets, transactions, and activity. Accurate portfolio tracking and compliance checks are essential to ensure clients’ financial statements reflect true asset values and that regulatory obligations are met.

This guide highlights how auditors can approach portfolio verification, transaction reconciliation, and reporting for stablecoins, while leveraging modern tools to streamline workflows.

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Explore how you can use Tatum to work with stablecoins in our Stablecoin for Developers guide.

Wallet Portfolio Overview

Auditors need a comprehensive snapshot of client holdings:

  • Multi-Chain Support – Track assets across Ethereum, Polygon, BSC, and other chains.
  • Wallet Aggregation – Consolidate balances from multiple wallets for a complete picture.
  • Asset Categorisation – Identify stablecoins, native tokens, NFTs, and other holdings.

With modern APIs, auditors can fetch this information in real-time, reducing manual data gathering.

Asset Tracking (Stablecoins, Native Tokens, NFTs)

Tracking every asset is critical for accurate verification:

  • Stablecoins – Verify peg stability and value across all wallets.
  • Native Tokens – Include cryptocurrencies like ETH or BNB in audits for full exposure assessment.
  • NFTs & Other Tokens – Ensure non-fungible and multi-token holdings are accounted for where relevant.

Transaction History & Reconciliation

Auditors must reconcile on-chain activity with client records:

  • Immutable Ledger Verification – Confirm that all transfers, receipts, and settlements match internal records.
  • Cross-Chain Reconciliation – Ensure activity is accounted for even when assets move between chains.
  • Time-Based Analysis – Review transaction history across periods for reporting and compliance purposes.

Compliance & Audit

Auditors also need to evaluate regulatory compliance:

  • AML & KYC Checks – Verify the legitimacy of counterparties and transfers.
  • Transaction Flags & Alerts – Identify suspicious or high-risk transactions.
  • Regulatory Reporting – Generate reports for tax authorities, internal compliance, or client audits.

Dashboard & Reporting

A centralised dashboard helps auditors visualize, analyze, and document findings:

  • Portfolio Insights – View asset allocation, risk exposure, and balance summaries.
  • Audit Trail Documentation – Maintain clear records of verification steps for review.
  • Custom Reports – Export data in formats suitable for internal or external audits.

Leveraging modern tools allows auditors to spend less time on manual verification and more time on high-level analysis, risk assessment, and reporting.

Key Takeaways

  • Accurate portfolio tracking and transaction reconciliation are essential for auditing stablecoins.
  • Stablecoins provide predictable, verifiable data but must still be assessed for compliance and risk.
  • Dashboards and APIs streamline verification, reduce errors, and support audit readiness.
  • Auditors can integrate these tools without changing their core audit methodology.

Learn More / Next Steps

Updated about 11 hours ago